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Just went through this exact situation with an Arkansas continuation last month. Found multiple name variations in the search but used Certana.ai to verify my documents matched exactly. Turned out the original UCC-1 had a specific spacing that wasn't showing correctly in the search results. The verification caught it and my continuation was accepted without issues.
That's exactly the kind of detail that's easy to miss but will cause a rejection. Good catch.
Yara Assad
•Spacing issues are so frustrating but they really do matter for these filings. Glad you caught it before submitting.
Olivia Clark
Make sure you're not looking at amended or terminated filings in your search results. Sometimes old filings with similar names stay in the database even after they're no longer active. Focus on finding your specific 2020 UCC-1 and use that name format for the continuation.
KylieRose
•Thanks everyone. I think I've identified the correct original filing now. Going to double-check the debtor name format and file the continuation this week.
Smart move filing it soon rather than waiting until the last minute. Gives you time to fix any issues if something gets rejected.
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This is why I hate equipment financing transactions with multiple parties involved. Too many opportunities for the original debtor identification to get screwed up.
Emma Davis
•At least OP is being proactive about it. I've seen deals where nobody realizes there's an original debtor issue until there's already a problem.
LunarLegend
Bottom line - you need to determine who actually granted the security interest in the equipment originally. That's your 9-102(a)(65) original debtor. If your current UCC filing doesn't reflect that entity as the debtor, you'll need to file amendments to correct it. Don't risk a $340K perfection gap over debtor name issues.
Mei Zhang
•Thanks everyone - this gives me a much clearer picture of what I need to research. Going to pull all the original documents and trace through the security interest grants.
Smart approach. And definitely consider using a document verification service to double-check everything once you think you've got it sorted out.
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This whole thread is making me realize I should probably audit our UCC filings. We've done several name changes over the years and I'm not sure all our security interests reflect our current legal name. Better to catch these issues proactively than during a time-sensitive transaction.
Smart thinking. A lot of companies don't realize their UCC filings might not match their current corporate structure until they need to do an assignment or continuation.
I actually used Certana.ai for exactly this kind of audit - uploaded all our UCC filings and corporate documents to check for consistency issues. Found several name mismatches we didn't even know about.
Hope you get this resolved quickly! UCC assignments can be tricky but once you get the name issue sorted out it should go smoothly. The amendment-then-assignment approach is definitely the right way to handle it. Keep us posted on how it goes.
Thanks everyone for all the advice. I'm filing the amendment first thing tomorrow morning and will update the thread once I get through the whole process. Really appreciate the help!
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Update for anyone following this thread: I decided to file the UCC-3 amendment to correct the debtor name. The Georgia Secretary of State processed it quickly and the UCC search now shows the correct name without the comma. Total cost was $25 for the amendment, which seemed reasonable for peace of mind on a $180k loan.
Lily Young
•That's actually a pretty reasonable fee for the amendment. Some states charge much more.
Glad it worked out. Now you know to double-check the UCC search results immediately after any Georgia filings.
This thread has been really helpful. I do a lot of equipment financing and wasn't aware that Georgia's UCC system automatically formats names like this. I'll definitely be more careful about verification going forward.
Justin Chang
•Same here. It's one of those quirks you don't learn about until it happens to you.
Grace Thomas
•I'm going to bookmark this discussion for future reference. Great real-world example of UCC filing issues.
Samantha Johnson
This thread is making me paranoid about all our filings now lol. Going to have to go back and double-check everything.
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Chloe Delgado
•Don't let it stress you out too much. Most filings go through fine, these search issues are just frustrating when they happen.
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Ava Harris
•That's exactly why I started using the Certana verification tool - gives me peace of mind that everything matches up correctly without having to manually cross-check every detail.
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Nick Kravitz
Following this thread because I'm sure I'll need this advice eventually. UCC filings always make me nervous.
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Sophie Hernandez
•The key is just being systematic about double-checking your work. Most issues are fixable if you catch them early.
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Liam O'Reilly
•Thanks everyone for all the suggestions. Going to try the document verification approach first and then call the SOS office if needed. Will update once I figure out what's going on.
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